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should you accept a pre-medical offer?


Should you Accept a Pre-Medical Offer?

Should you accept a pre-medical offer? Tim Jones outlines the benefits and drawbacks of accepting this type of offer.

If you have been injured in an accident that wasn’t your fault, then you may be considering taking legal action against the person or party responsible.

When making a personal injury claim for compensation, you may come across the term ‘pre-medical offer’. It is important to make sure you understand precisely what a pre-medical offer is and how it may or may not benefit you and your personal circumstances. 

Our panel of personal injury experts at Major Trauma Group are highly experienced in assisting clients with a range of injury compensation claims. The lawyers on our panel are well-equipped to offer their specialist legal advice on pre-medical offers and on how an offer may affect the amount of compensation you may be entitled to receive. 

If you would like more information regarding any of our services, please do not hesitate to get in touch with us today using the contact information below. 

What is a pre-medical offer?

A pre-medical offer in terms of personal injury compensation is a settlement offer made by the defendant’s insurance company before any official medical examination of injuries has taken place. It is an initial attempt by the insurance company to settle your claim quickly and cheaply. 

Understandably, many claimants are intrigued by swift offers due to their on-going pain, suffering and financial burdens resulting from their accident. However, it is important to approach pre-med offers with restraint and caution as they often do not fairly reflect the extent of your injuries, expenses, loss of earnings or any on-going treatment you may need. 

Insurance companies are hoping claimants accept the pre-medical offer before they ever realise the true value of their claim, ultimately saving them a great deal of money.

Pre-medical offers are based on limited information, usually just your initial description of your injuries and any immediate medical treatment. This means it’s highly likely to underestimate the true cost of your injuries, both financially and in terms of long-term impact.

If you are considering accepting a pre-med offer, you may wish to consider taking advice from a personal injury lawyer beforehand.  

It is important to note that pre-medical offers are no longer allowed for whiplash injuries in road traffic accidents following the whiplash reforms in 2021. 

Why do insurance companies make pre-medical offers?

Insurance companies make pre-medical offers for several reasons, primarily to benefit themselves, not the injured party. 

By making an offer before medical evidence has been obtained and the full extent of the injuries is known, the insurance company hopes to settle for a smaller amount than they might have to pay later if the claim goes to court or a full medical assessment reveals more severe injuries.

Without a full medical assessment, the insurance company doesn’t have a complete picture of the injuries and potential future impacts. This allows them to make an offer based on less information, potentially undervaluing the claim.

Offering to settle early on also saves time, as court cases and extended claims investigations are expensive and time-consuming for insurance companies. Pre-medical offers aim to resolve the claim quickly and cheaply, saving them resources and legal costs.

A pre-medical offer might also be presented as a “take it or leave it” proposition, hoping the victim feels pressured to accept a quick final settlement due to financial hardship or emotional strain.

While pre-medical offers may seem convenient, it is crucial for victims to think about these offers carefully. Accepting an early settlement without a comprehensive understanding of the full extent of your injuries and potential future medical needs may not adequately compensate you. 

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Should you accept a pre-medical offer? Pros and Cons

Whilst pre-medical offers can offer some benefits, the potential downsides are significant. Consulting with a personal injury lawyer is crucial before making any decisions. Our panel of expert lawyers can assess the true value of your claim, negotiate with the party responsible for the accident, and advise you on the best course of action to ensure you receive fair compensation. Prioritising a quick resolution shouldn’t come at the expense of your long-term well-being and financial security.

Pros of accepting a pre-med offer

  • Fast resolution: You can receive compensation quickly, potentially easing financial strain and avoiding the stress of a prolonged legal battle.
  • Certainty: You know exactly how much you will receive, eliminating the uncertainty of a court case outcome.
  • Closure: Accepting the offer might provide a sense of closure and allow you to move on from the accident.

Cons of accepting a pre-med offer

  • Undervalued claim: Pre-medical offers are based on limited information and likely underestimate the total value of your claim, especially considering long-term impacts.
  • Limited scope: The offer might only cover immediate medical expenses, neglecting lost wages, pain and suffering, or future care needs.
  • No future recourse: Accepting the offer typically means relinquishing your right to claim to further compensation, even if new information about your injuries arises.
  • Pressure tactics: Insurance companies might pressure you into accepting a low offer due to financial hardship or emotional distress.

How can Major Trauma Group assist you?

Our member solicitors at Major Trauma Group have ample experience in navigating pre-medical offers presented to our clients, and we work to ensure claimants are fully informed of the options they have available to them. 

The legal advice we provide can help injured parties to make informed decisions about whether an offer adequately compensates them for their injuries and related damages. Our expertise in this area of the law means we can effectively advocate for our client’s best interests, working to secure appropriate financial compensation. 

If you have any queries surrounding any of our services, including pre-medical offers, then please do not hesitate to get in touch with us today. We can be contacted via email (, telephone (0330 311 2578) or via live chat on our website (available Monday-Friday 9am to 5pm). 

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Struggling after injury?
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Who are the serious injury solicitors of Major Trauma Group, and how can they help me?

Who are the serious injury solicitors of Major Trauma Group, and how can they help me?

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